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近年来,在农村经济持续发展的影响下,农信社小额信贷取得了一定的成效,给农民贷款提供了极大的便利,同时也密切了社政及社群关系。但是,从发展情况来看,小额贷款中额存在着各种各样的问题,这成为其发展的束缚,造成了农信社回收本息困难的情况。为此,本文结合当前实际,分析了农信社小额信贷业务中存在的各类问题,并提出了相应的营销管理改进措施,希望能够为农村经济的发展提供一些参考。
In recent years, under the influence of the sustainable development of rural economy, the rural credit cooperatives have achieved some success in microfinance and provided great convenience to peasants’ loans. At the same time, they have also closely linked with social and community relations. However, judging from the development situation, there are various problems in the amount of small loans. This has become a bondage to their development and has caused RCCs’ difficulty in recovering principal and interest. Therefore, based on the current situation, this paper analyzes various problems existing in the rural credit cooperatives microfinance business and puts forward corresponding marketing management improvement measures, hoping to provide some reference for the development of rural economy.